Returns
SWP calculator: monthly withdrawals ka hisaab
SWP calculator: dekhiye monthly withdrawal kitne din chal sakta hai, fixed ya har saal badhta hua.
- Type karte hi jawab badalta hai
Poore withdrawals mile
180 mein se 136
Mahina 137 mein ₹47,457.46 chahiye. Sirf ₹29,172.27 milta hai, aur ₹18,285.19 nahi milta.
Hum kaise calculate karte hain: aapka saalana return ek exact monthly rate banta hai, isliye 8% saalana ek saal mein 8% hi badhta hai. Har withdrawal apne mahine ki shuruaat mein nikalta hai. Dono upar badal sakte hain.
Aakhir mein paisa bachne ka matlab hai ki in figures par yeh period cover hai. Iska matlab hamesha chalne wala paisa nahi hai. Tax aur fees se pehle.
Har saal kitna nikla, aur kitna bacha?
Upar ke bars har saal bachaya ya nikala gaya paisa hain. Bar ka upar wala hissa woh paisa hai jo maanga par mila nahi. Neeche ki line batati hai kitna bacha.
- Nikala
- Nahi mila
- Bacha
Rate aapka apna andaza hai.
Saal 15 · Nikala ₹0.00 · Nahi mila ₹6,78,271.19 · Bacha ₹0.00
SWP calculator: har saal ka hisaab
| Saal | Har mahine maanga | Saal mein mila | Saal mein nahi mila | Saal ke end ka balance |
|---|---|---|---|---|
| 1 | ₹25,000.00 | ₹3,00,000.00 | ₹0.00 | ₹29,27,152.84 |
| 2 | ₹26,500.00 | ₹3,18,000.00 | ₹0.00 | ₹28,29,707.07 |
| 3 | ₹28,090.00 | ₹3,37,080.00 | ₹0.00 | ₹27,04,568.57 |
| 4 | ₹29,775.40 | ₹3,57,304.80 | ₹0.00 | ₹25,48,328.08 |
| 5 | ₹31,561.92 | ₹3,78,743.09 | ₹0.00 | ₹23,57,231.99 |
| 6 | ₹33,455.64 | ₹4,01,467.67 | ₹0.00 | ₹21,27,150.48 |
| 7 | ₹35,462.98 | ₹4,25,555.73 | ₹0.00 | ₹18,53,542.83 |
| 8 | ₹37,590.76 | ₹4,51,089.08 | ₹0.00 | ₹15,31,419.80 |
| 9 | ₹39,846.20 | ₹4,78,154.42 | ₹0.00 | ₹11,55,302.54 |
| 10 | ₹42,236.97 | ₹5,06,843.69 | ₹0.00 | ₹7,19,178.05 |
| 11 | ₹44,771.19 | ₹5,37,254.31 | ₹0.00 | ₹2,16,450.67 |
| 12 | ₹47,457.46 | ₹2,19,002.13 | ₹3,50,487.44 | ₹0.00 |
| 13 | ₹50,304.91 | ₹0.00 | ₹6,03,658.94 | ₹0.00 |
| 14 | ₹53,323.21 | ₹0.00 | ₹6,39,878.48 | ₹0.00 |
| 15 | ₹56,522.60 | ₹0.00 | ₹6,78,271.19 | ₹0.00 |
Har file mein har rate ka source aur check date likhi hai. CSV 2 files mein aata hai, figures aur unke sources.
Files mein inputs, timing, monthly rate ka rule aur har maanga aur mila amount hai.
Link mein sirf yeh inputs hote hain. Saved inputs sirf is browser mein rehte hain, aur jab tak aap on na karein, band rehte hain.
Ek cheez badal kar dekho
Har button theek ek input badalta hai aur batata hai ki headline figure par kya asar hua. Reset use wapas kar deta hai.
Shuru ke losses zyada kyun chubhte hain
₹10 lakh, har saal ke end mein ₹1 lakh nikalta hai. Wahi 2 returns alag order mein aate hain.
| Returns ka order | 2 saal ke baad balance |
|---|---|
| Pehle loss: −20%, phir +25% | ₹7,75,000.00 |
| Pehle gain: +25%, phir −20% | ₹8,20,000.00 |
| Withdrawal nahi, dono order | ₹10,00,000.00 |
Saal ke end par withdrawals aur assumed returns ka saalana example.
Hisaab
Ek worked example
Wahi hisaab, shuru ke figures par, haath se.
SWP calculator: example ka hisaab
₹30,00,000.00, har mahine ₹25,000.00, 15 saal, 6% saalana rise aur 8% maana return. Mahine ki shuruaat mein withdrawal aur exact monthly rate. Yeh calculator ke shuru ke inputs hain.
| Kadam | Hisaab | Result |
|---|---|---|
| Poore payments | Monthly ledger | 136 / 180 |
| Pehla short payment | Mahina 137 | ₹29,172.27 / ₹47,457.46 |
| Us mahine nahi mila | Maanga minus mila | ₹18,285.19 |
| Kul mila | Monthly paid amounts ka total | ₹47,10,494.92 |
| Kul maanga | Monthly requests ka total | ₹69,82,790.97 |
| Fixed withdrawal ka balance | Wahi return, saalana rise nahi | ₹10,22,045.56 |
Yeh tax aur fees se pehle ke rupaye hain. Shortfall ₹22,72,296.05 hai. Yeh pakki income ya paisa khatam hone ki asli date nahi hai.
Result padho
Result ko samjho
SWP calculator dikhata hai ki invested paise se monthly withdrawals kitne din chal sakte hain. Starting paisa, withdrawal, period aur return ka apna anumaan bhariye. Fixed aur har saal badhte withdrawal ko compare kijiye. Maanga aur mila amount alag dikhte hain. Return pakka nahi hai.
Withdrawal aur return alag hain
Payment mein apna capital bhi wapas aata hai. Saalana rise sirf withdrawal badhata hai, return nahi.
Timing kaise kaam karti hai
Start par pehle paisa nikalta hai, phir bacha paisa badhta hai. End par pehle paisa badhta hai, phir withdrawal milta hai. Upar dono badal sakte hain.
Ek return poora market path nahi hai
Har mahine same return ek model hai. Asli returns alag order mein aate hain. Neeche ka annual example dikhata hai ki shuru ke losses kyun zyada chubhte hain.
Isse kya badal sakta hai?
- Withdrawal ka saalana rise. Amount ke baad yeh sabse bada lever hai.
- Aapka maana hua return, aur achhe-bure saal kab aate hain.
- Planning period. Saal 15 par bacha balance saal 25 ke baare mein kuch nahi kehta.
Aam galtiyan
- Withdrawal ko fund ki kamai samajhna. Uska hissa aapka apna paisa hai.
- Zero balance ko pakki date maan lena. Yeh sirf ek scenario hai.
- Average return ko har saal ka return maan lena. Shuru ka loss zyada chot karta hai.
Sawaal
Log yeh poochhte hain
SWP calculator FAQ
SWP calculator kis kaam aata hai?
Invested paise se regular withdrawals ka hisaab dekhiye. Kitna mila, kitna bacha aur kitne din chala, sab alag dikhta hai. SWP units bechta hai. Payment mein apna paisa bhi wapas aa sakta hai.
Kya SWP pakki monthly income deta hai?
Nahi. Yeh units bechne ka instruction hai, return ka vaada nahi. Payment mein apna capital bhi aa sakta hai. Market ke saath balance badh ya ghat sakta hai.
₹10 lakh se har mahine ₹10,000 kitne din chalega?
Return, tax aur charges 0 hon toh 100 withdrawals milte hain. Yeh 8 saal aur 4 mahine hain. Positive return period badha sakta hai. Loss ise chhota kar sakta hai.
Shuru ka market fall SWP ko zyada nuksaan kyun karta hai?
Fall ke baad invested paisa kam bachta hai, par withdrawals chalte rehte hain. Wahi paisa paane ke liye zyada units bechne padte hain. Recovery ke liye kam units bachte hain.
Kya poora SWP withdrawal taxable hai?
Units bechne se cost ka kuch hissa wapas milta hai, aur gain ya loss ho sakta hai. Tax fund, holding period aur rules par depend karta hai. Amounts tax se pehle hain.
Kya SWP par exit load lag sakta hai?
Haan, agar beche gaye units par scheme exit load leti hai. Har fund ka same rate nahi hai. Scheme ke documents padhiye. Yeh page exit load nahi ghatata.
Kya monthly SWP inflation ke saath badhana chahiye?
Mehngai mein fixed amount se kam cheezein milti hain. Badhta withdrawal badhe kharche mein madad kar sakta hai, par paisa jaldi khatam hota hai. Dono cases ka pehla short payment compare kijiye.
SWP calculator mein zero balance ka kya matlab hai?
In inputs par paisa khatam ho gaya. Yeh ek scenario hai, pakki asli date nahi. Aakhri poora payment balance khatam kar sakta hai. Tab agla payment pehla missed payment hota hai.
Aage padho
Iske baad kahan jaayein
SWP kya hai aur paisa kitne saal chalega? Fixed aur har saal badhte withdrawal, pehla kam mahina, aur shuruaati loss kyun zyada chot karta hai.
Lesson padho Phir yehRetirement calculatorKharche se zaroori paisa nikaaliye.
KholoAur calculators
Aur calculators
Baaki saare calculators, kaam ke hisaab se.
Method, sources aur limits
Yeh calculator kya karta hai aur kya nahi
Yeh calculator kya karta hai
- Har mahine aapke paise se withdrawal deta hai, mahine dar mahine.
- Chahein toh withdrawal har saal badhata hai.
- Pehla kam mahina, jitna mila aur jitna nahi mila, alag dikhata hai.
Yeh kya nahi karta
- Returns ya unka order predict nahi karta.
- Tax, exit load ya fund charges nahi ghata-ta.
- Negative balance nahi dikhata, jaise aap udhaar le sakte ho.
Method aur assumptions dekho
Method
- Aapka saalana return ek exact monthly rate banta hai: (1 + return)^(1/12) − 1.
- Har mahine request aur bache paise mein se jo kam ho, utna milta hai.
- Withdrawal har 12 payments ke baad aapke type kiye percent se badhta hai.
- Default mein har withdrawal apne mahine ki shuruaat mein nikalta hai.
Yeh kya maan kar chalta hai
- Aapka type kiya return har mahine ek jaisa maana gaya hai. Yeh forecast nahi hai.
- Tax, exit load aur fund charges nahi ghataye gaye.
- Balance kabhi zero se neeche nahi jaata. Na mile hue withdrawals alag dikhte hain.
Sources, effective dates aur exclusions
- Calculation ki date
- aaj
Is hisaab mein koi published rate ya date nahi judti. Har figure aap khud type karte ho.
Shaamil nahi
- Live market prices. Yahan har price aap khud type karte ho.
- Exit load aur fund ka expense ratio.
- Gain par tax. Yahan har figure tax se pehle ka hai.
- Safal hone ka chance. Kuch fixed scenarios se yeh nahi milta.
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